How Does Car Insurance Work in Fatal Accidents?

An injury-free car accident can be a scary ordeal in its own right. When a crash results in a death, things can feel overwhelming. While you might not want to think about it, it’s important to know what’s covered in the case of a fatal car accident.

For anything to be covered, the death must be directly related to a motor vehicle. An autopsy report may need to be submitted to the insurance company for proof. Additionally, the death must be declared accidental. If the deceased intentionally crashed the car, the insurance policy will be void.

What Car Insurance Covers

The specifics of what a policy does and does not cover depend on the conditions of the policy itself. Also, the benefits only applies to people listed on the policy’s declarations. For these people, it will often cover medical bills and funeral/burial expenses. It may also pay out lost earnings for a certain time period. These are generally known as survivor benefits, as they are paid to the family or dependents of the deceased.

Additionally, standard car repairs (or the car’s value, if totaled) will be covered, assuming the plan covers these items.

In cases of fatal car accidents, it may be in your best interest to speak to a lawyer.

Making Sure You Have Proper Insurance

When it comes to any type of insurance, it’s important that you get the proper coverage. Even if your car insurance policy covers fatal accidents, it might not be enough. Life insurance policies are equally important for families that are dependent on the earnings of a spouse and/or have debts that need to be paid.

The last thing you want to experience during a tragedy is a lack of insurance coverage.

Working with an experienced insurance agent is the best way to get the perfect policy for an affordable price. Not only can they navigate you through the ever-changing world of insurance plans, but they can be there to answer questions when problems arise.